Do you have to have health insurance?

Answer 1

Yes. 100% Yes. Anyone who asks do we need health insurance needs to read the below paragraph...

Lets say, one fine morning, you wake up and realize that you are having a pain in your chest and it might be a heart attack. You are the only earning member of the family and your wife is a house wife and your kids are in school. You don't have lakhs of money in your bank to pay for your heart treatment. What would your family do without you? Without the treatment they will be left to fend for themselves without a job and for the treatment you need a few lakhs of rupees which you don't have either.

You need the treatment because, its a matter of life and death and your family needs you because they depend on you.

What do we do here?

"Health Insurance" is the answer my friend. If you had insured yourself, all this confusion could have been averted. You'd have got your treatment at a good hospital without having to shell out this lakhs of rupees and your family is relieved and happy that you are safe.